I don't disagree with anything you pointed out.
If you buy diesel for marine use from a reputable source, then he puts in Algaecide in his tanks.
I was kind of joking about burning algae, but trying to show that the diesel engine can burn just about anything including peanut butter if you can get to flow. The addition of algaecide to you fuel tank, kill/stop algae growth. Then it should filter out.
Most people don't understand that there is water actually dissolved in the fuel, all of the time. I have done the cold/hot potential condensation here on the gulf coast. Allowing for reevaporation, it is minor water that can be dispersed (most likely none) and not sit in the bottom of tank.
LOL I am not suggesting adding water to improve diesel engine efficiency, but only that the truth is ... a little is not a problem. Remember water is made in the engine from combustion.
If dissolved water is a contaminate, everybody has a problem then.
I know well enough that you have a grasp of the situation but some of the people who are using this site to learn from will not know, so, in my opinion, but without trying to nitpic, things should be clarified.
and not to extremes just to make a point...
and sometimes its hard to get right the first time, so collectively, we all can help each other learn

....
an algeacide prevents the algea from starting/growing/living, but if you have an already contaminated system, it needs to be manually cleaned out to insure the filters wont continue to clog as dead algea wont pass thru the filters so it can be burnt and exhausted....
not all diesel engines will burn just anything... some of the older diesels were designed to pass heavier liquids thru their pumps and injectors, but even then it had to be combustible under reasonable compression. im not sure peanut butter qualifies, unless the oil content is extremely high

the modern systems need clean fuel to allow the best chance for
maximum dependability... and ultimately, that is what we all seek. we may be under powered, gas driven or electric, or maybe even a fuel burning hog, but it has to be dependable when its wanted. longevity is also a good thing, but taken in concept, dependability is most important.
diesel along with many other petroleum products are indeed hydroscopic, which means they have the ability to absorb water... and in some products this property is used to advantage, but this is not a good thing for our oils and fuels.
and yes, water vapor IS created from clean, dry fuel when the combustion process takes place, but it is immediately expelled from the engine.
the water is not supposed to be in there when its injected, but the water vapor that is created is due to the destruction and reforming of molecules as the atoms are disturbed by the combustion process... the atoms are NOT destroyed, just rearranged and turned into water vapor and other exhaust particulates..
a "little water in the fuel" is a relative term... a cup of water in a 100 gallon tank could be considered a little water by some people, but it can still stop the engine from running.
but that same amount absorbed into the fuel could pass thru the filter and be burnt with the fuel,
but it should all be used while the moisture is still in suspension....
....because the down side is, as the water laden fuel has passed thru the filter and is now throughout the system, it can and will cause damage over time to the entire system. it can settle out as it sets in the pump and rust it internally, or a droplet being pumped out to an injector can actually blow the tip off of the injector, which then can allow more water into cylinder and cause damage to the piston, that is if the injector tip hasnt already gotten stuck in a valve and bent or broke something....
myself, I consider an ounce or less of water to 100 gallons of fuel,
in the tank, to be a little water, and any more than that or if seen elsewhere in the system, is a serious threat to the dependable operation of my engine.
Water, dissolved or standing, in fuel is a potential problem for anybody that has it, depending on how much and what they do about it...